Chattanooga Homes with Conventional Financing available

Chattanooga Homes with Conventional Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled along the banks of the Tennessee River and surrounded by the stunning beauty of the Appalachian Mountains. Known for its rich history and thriving arts scene, Chattanooga is a perfect blend of Southern charm and modern amenities. With a population of around 180,000, this city offers a welcoming community atmosphere that makes it a great place for families, young professionals, and retirees alike.

Chattanooga is renowned for its outdoor recreational opportunities, featuring picturesque parks, scenic hiking trails, and the breathtaking Lookout Mountain. The city boasts an array of attractions, including the Tennessee Aquarium, the Creative Discovery Museum, and the historic Walnut Street Bridge, which invites you to stroll across and take in the stunning views of the river.

When it comes to housing, Chattanooga offers a diverse range of homes that cater to various lifestyles and budgets. Whether you're looking for a charming bungalow in a historic neighborhood or a modern townhouse with all the contemporary finishes, you’ll find it here. What's more, many of these homes are available with conventional financing options, making the dream of homeownership more accessible than ever. This financing flexibility allows potential buyers to explore a variety of properties without the burden of restrictive lending practices.

In Chattanooga, you’re not just buying a home; you’re investing in a lifestyle filled with adventure, culture, and community spirit. Come discover why so many are choosing to call this enchanting city home!

Newest Chattanooga Homes with Conventional Financing available

2 Beds ⋅ 2 Baths ⋅ 1542877 MLS

Move-in ready in Signal View! This 2-bedroom, 2-bath ground-level condo offers 950 square feet of comfortable, single-level living with fresh paint and new carpet throughout. The two-bedroom, two-full-bath layout provides flexibility for everyday living, guests, or a home office. Enjoy low-maintenance condo living with community amenities including a pool, fitness center, clubhouse, playgrounds, and pond. The monthly HOA includes water, sewer, trash, pest control, and exterior and grounds maintenance. Conveniently located just minutes from Downtown Chattanooga, Northshore, UTC, shopping, dining, and recreation. A great opportunity for comfortable, low-maintenance living in a convenient Chattanooga location.

900 Mountain Creek Road E61, Chattanooga

3 Beds ⋅ 1 Baths ⋅ 1542871 MLS

Imagine the Possibilities!! Location, flexibility, and opportunity--this Chattanooga home checks all three. Just minutes from Northshore, Downtown Chattanooga, and major highways, this 3-bedroom home is ideally positioned for a first-time buyer, investor, young professional, or anyone looking for room to grow. Inside, you'll find three spacious bedrooms, a large eat-in kitchen, and a convenient laundry/mudroom. The full unfinished daylight basement is where the possibilities really open up--it's already plumbed for a bathroom or kitchen and could become additional living space, a home gym, home office, guest suite, workshop, or potentially a separate living/rental area, subject to buyer verification and applicable requirements. Outdoor enthusiasts will love the easy access to Stringer's Ridge and Prentice Cooper State Forest, with hiking, mountain biking, kayaking, and other outdoor adventures close by. There's also plenty of storage for those bikes, kayaks, tools, and gear. The home has been thoughtfully updated with an approximately 8-year-old roof, 6-year-old gutters and windows, new interior and exterior doors, waterproof flooring, tile, and matching Whirlpool appliances. The washer, dryer, and refrigerator will convey at no additional cost to the buyer. Previously rented for several years, with the most recent rent at $1,850/month, the property also offers attractive investment potential. Whether you're looking for an affordable Chattanooga home, an investment opportunity, or a property with room to create something of your own, this one is worth a look. Some photos have been virtually staged to showcase the home's potential.

108 Goodson Avenue, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1542870 MLS

Welcome to 8168 Pinecrest Drive in Chattanooga, Tennessee! This spacious split-level home offers 4 bedrooms, 2.5 bathrooms, 2,241 square feet, and an incredible 0.79-acre level lot, all in an excellent and convenient Chattanooga location. Offered at $399,900, this home provides plenty of space inside and out, along with a backyard designed for relaxing, entertaining, and enjoying the outdoors. A welcoming covered front porch sets the tone as you arrive. Step inside to a spacious living room that flows easily into the dining room and generous-sized kitchen, giving you plenty of room for everyday living and entertaining. The kitchen offers abundant space, a newer faucet, dishwasher, and convenient access to the back deck. Just off the kitchen, step outside onto the deck overlooking the amazing backyard. Whether you're grilling, entertaining friends and family, or simply enjoying a quiet evening outdoors, this is a space you'll want to use often. The main level features three bedrooms, including the primary suite, along with a guest bathroom. Downstairs, you'll find even more living space with a comfortable den featuring a wood-burning fireplace, a fourth bedroom, half bathroom with laundry, and access to the two-car garage. The garage offers more than just parking, with a workshop area, oversized workbench, utility sink, and electrical hookup for an RV or camper. An extended gravel driveway provides additional parking and flexibility. Outside is where this property really shines. Situated on approximately 0.79 level acres, the fenced backyard offers plenty of room to enjoy, and the property extends beyond the back fence line. Double and single gates provide convenient access to the enclosed yard. The backyard has been transformed into an outdoor retreat featuring a 27-foot saltwater pool with a wraparound deck, tiki hut, walkway, and landscaping surrounding the pool area. There's also an approximately 20x25 stone area with a fire pit and BBQ space, creating another great spot to gather and entertain. For those who love gardening and outdoor living, the property features multiple flower gardens and raised beds, six fruit trees, three grapevines, and additional trees planted throughout the front yard. Two storage buildings, approximately 12x20 and 8x12, provide plenty of additional storage for lawn equipment, tools, and outdoor gear. Additional improvements include fresh interior paint, a new roof installed in 2020, dishwasher installed in 2021, AC unit installed in 2022, and all three toilets replaced within the last year. And the location is hard to beat! Enjoy convenient access to Hamilton Place, shopping, restaurants, schools, medical facilities, I-75, and everything the Chattanooga area has to offer, while still having nearly an acre of level property to enjoy at home. With spacious rooms, multiple living areas, incredible outdoor spaces, a pool, workshop, two storage buildings, and a large level lot in a fantastic Chattanooga location, 8168 Pinecrest Drive has so much to offer. Schedule your private showing and come experience this property for yourself!

8168 Pinecrest Drive, Chattanooga

3 Beds ⋅ 1 Baths ⋅ 1542869 MLS

Move-in ready and refreshed throughout, this 3 bedroom, 1 bath home offers a blend of modern updates and comfortable living space on a large, level corner lot. Inside, luxury vinyl flooring extends throughout the home, complemented by fresh paint and an updated flooring system. The living room provides a welcoming gathering space, while the separate dining room offers a area for meals and entertaining. The kitchen has been updated with new stainless-steel range and refrigerator, along with newer lighting that adds a fresh, contemporary touch. The fully updated bathroom continues the home's clean, refreshed feel. Recent improvements include new paint throughout, new flooring, foundation upgrades, and a roof with approximately half replaced last year and the remaining portion replaced approximately seven years ago. Outside, the level backyard is fully fenced, providing a defined outdoor area for recreation, pets, or gardening. New landscaping plants in the front planter add an attractive finishing touch to the exterior. With its extensive updates, functional floor plan, and desirable corner-lot setting, this home is ready for its next chapter.

5323 Spriggs Street, Chattanooga

2 Beds ⋅ 3 Baths ⋅ 1542860 MLS

Riverfront Living, Redefined -- 3162 Waterfront Drive Wake up to the Tennessee River every single day. Tucked into the sought-after Browns Ferry Landing community, this all-brick, two-story townhome delivers what most Chattanooga homes only dream of: year-round deep water, a private stationary dock, and sweeping river views from nearly every gathering space. Step through the foyer and you're greeted by warm brick flooring and decorative molding that set the tone for the entire main level. The living room is the heart of the home -- an electric fireplace for cool Tennessee evenings, and a wall of windows framing the water beyond. The updated galley kitchen features custom cabinetry and a pantry -- and all kitchen appliances remain, including the refrigerator -- while the formal dining room showcases rich hardwood floors and room for every holiday table. A dedicated office and convenient half bath complete the first floor. Upstairs, the primary suite offers a true retreat with an en suite bath, double vanity, and walk-in closet -- plus its own private screened porch, where you can step outside each morning and take in the river view in total comfort. A second bedroom and full bath round out the upper level, along with conveniently located laundry right where you need it and a walk-in attic for effortless storage. The outdoor living is where this home truly shines. A covered porch, deck, and garden patio step down toward the river -- the perfect backdrop for morning coffee, sunset dinners, or an afternoon that starts and ends at your own dock. And when the day winds down, the hot tub on the patio remains -- settle in under the stars with the river as your view. And the big-ticket items are already handled: both HVAC systems were replaced in 2024, the slate roof was recoated in 2025, and the HOA takes care of lawn maintenance and mulching -- so your weekends belong to the river, not the yard. Add a marina in the community, insulated windows, and a security system, and this home is as practical as it is picturesque. All of it just minutes from downtown Chattanooga via I-24 -- close enough for dinner on the Southside, far enough to feel like a getaway.

3162 Waterfront Drive, Chattanooga

2 Beds ⋅ 1 Baths ⋅ 1542856 MLS

Turnkey 2 bed, 1 bath rental investment in East Chattanooga. This 728 Sq Ft single-level home is rent-ready with an efficient layout, a newer HVAC system, fresh paint throughout, and stainless steel appliances included with the sale. Minutes from downtown with easy access to Highway 58. A clean add for a buy-and-hold portfolio or a first investment property. Schedule your showing today.

1313 Bradt Street, Chattanooga

5 Beds ⋅ 4 Baths ⋅ 1542854 MLS

Discover the exceptional space, character, and craftsmanship of this impressive two-family home offering over 4,500 square feet of beautifully finished living space. Situated on a desirable corner lot with convenient access to town, this property offers a rare combination of generous size, thoughtful design, and everyday functionality. Inside, professional finishes are showcased throughout, creating a warm and refined atmosphere. The heart of the home is the spectacular cook's kitchen, featuring a stunning Heartland stove and plenty of space for preparing meals and gathering with family and friends. The expansive full-brick home provides an inviting setting for everyone to come together, whether entertaining a crowd or enjoying a quiet evening at home. Recent updates include a new HVAC system and new water heater, providing added comfort and peace of mind. With its versatile two-family layout, substantial square footage, quality finishes, and prime corner-lot location, this distinctive property offers both incredible living space and tremendous flexibility. Make your appt today to see what all this masterpice has to offer.

4200 Tacoma Avenue, Chattanooga

2 Beds ⋅ 3 Baths ⋅ 1542848 MLS

Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down for a limited time! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Dawson'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 2br/2.5 bath residence features Modern finishes, abundant natural light, spacious living areas, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Dawson plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. Owner/Agent.

1834 Dawson Circle, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1542845 MLS

Great rental investment opportunity in a desirable East Ridge location! This duplex has partial-brick and siding featuring a duplex layout with 2 bedrooms and 1 bath on each side. One side is currently occupied, while the other side is vacant, offering flexibility for an owner-occupant, new tenant, or investor. Enjoy outdoor living from the deck overlooking the backyard. Conveniently located with easy access to East Ridge, Chattanooga, and Northwest Georgia, making commuting and everyday travel a breeze. Don't miss this opportunity to add a conveniently located duplex to your investment portfolio. Call today to schedule your private showing!

3624 Shirl Jo Lane, Chattanooga

5 Beds ⋅ 5 Baths ⋅ 1542840 MLS

Located in highly desirable East Brainerd area, this cash flowing duplex combines everyday convince with strong rental income. Both unites feature newer roof, new siding and newer HVAC. Unite A (3BR/2BA) with rent at $1,200/month. Unit B (2BR/2BA) with rent at $1,050/month. Combined gross rental income of $2,250/month. The main level of each unit features a spacious living room, kitchen, half bath and laundry room, while all the bedrooms and full bath are located upstairs. Outside, each unit offers a welcoming covered porch and designated off street parking, private rear access, individual decks and storage rooms. Enjoy easy access to major freeways, plus close proximity to shopping, dining, grocery stores, and everyday essentials, a prime spot for all.

1418 Stratton Place Drive, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1542834 MLS

OPEN HOUSE WEDNESDAY from 4:00-6:00 Be the 1st to see this home on the way home from work ! LOCATION, CHARM & CONVENIENCE! Welcome to 2206 Defue Street, ideally located in the heart of Red Bank with easy access to Downtown Chattanooga, Northshore, shopping, restaurants, parks, and everyday conveniences. From the moment you arrive, the inviting covered front porch sets the tone for this charming home. Step inside to a spacious, light-filled living room featuring a cozy gas fireplace and built-in bookshelves--the perfect place to relax or entertain. The home offers plenty of flexible living space, including a formal dining room plus an additional bonus room that could easily serve as a home office, sitting room, playroom, hobby space, or whatever best fits your lifestyle. The kitchen features stainless steel appliances combining character with modern conveniences. Down the hall are two generously sized bedrooms and a full bathroom. Upstairs, you'll discover a private primary suite along with a conveniently located laundry area. Need extra storage? The partial unfinished basement provides additional space for seasonal items, tools, hobbies, and more. The current owners use it as their gym & riding toys for the children. Outside, enjoy a fenced backyard with plenty of room for pets & kids, entertaining, gardening, or simply relaxing at home. Important updates include a new roof, gutters, and gutter guards installed in 2018, along with a new HVAC & furnace system installed in 2021. With its charming character, flexible floor plan, fenced backyard, valuable updates, and a location that puts you just minutes from the excitement of Downtown Chattanooga, this Red Bank home offers the combination buyers are looking for. Come see 2206 Defue Street and discover just how convenient Chattanooga living can be!

2206 De Fue Street, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1542832 MLS

One-level, brick rancher over a full basement with a 2-bay garage, a detached carport and a fenced back yard on a .49 +/- acre cul-de-sac lot in the heart of East Brainerd close to schools, medical facilities and the shopping and restaurants of the Hamilton Place area. This 4-bedroom, 3-bath home has tons of potential and already has many updates including LVP and tile throughout, vinyl windows, a newer refrigerator and updated baths. Your tour of the home begins with entry from the covered front porch to the foyer that opens to the spacious living room. The living room has access to the formal dining room which in turn has access to the eat-in kitchen. The kitchen has a door to the rear deck with steps to the back yard providing a nice flow for everyday living and indoor to outdoor entertaining. There are 3 bedrooms and 2 baths on the main level including the primary suite which boasts 2 closets and a private bath with a pedestal sink and a tiled shower. The 2 additional main level bedrooms share the use of the hall guest bath which has a furniture style vanity and a shower. Head downstairs where you will find a large family room with 2 closets and a separate door to the back yard, a 4th bedroom, a laundry/full bath combo with another tiled shower, plus the 2 bay garage, also with storage closet. All this, and you are just 20 minutes from downtown Chattanooga, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

2103 King Court Lane, Chattanooga

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